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Ex Husband not paying mortgage and I can't afford it.

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Comments

  • 19lottie82
    19lottie82 Posts: 6,033 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    How far away is your work? Do you really NEED the car? That could free up some cash?how much are your debts in total and how much do you pay towards them each month?

    Pop over to the debt free wannabe board and post an SOA, they are very helpful in these situations.
  • nearlyrich
    nearlyrich Posts: 13,698 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Hung up my suit!
    Go onto the Debt free wannabe board for advice on your debts, eating is more important than paying debts you will gets lots of good advice.
    Free impartial debt advice from: National Debtline or Stepchange[/CENTER]
  • justme111 wrote: »
    Raised by a mum like you your son is very likely start earning in a couple of years and life will becomeuch easier x


    Fingers crossed! :T
  • Thanks everyone for your help. I know you are all right in the fact that I need to sort my own finances out before I can even begin to tackle the mortgage issue. I'm just very scared. I am not good at financial jargon. Will take some of your advice and go onto debt forums.

    Feeling even more anxious than I was before though lol!
  • sukysue
    sukysue Posts: 1,823 Forumite
    Part of the Furniture Combo Breaker
    Don't be anxious they are vbrilliant over there look at this as the first step in getting things sorted good luck my dear.
    xXx-Sukysue-xXx
  • Can your son get a part-time job to help? Evenings and/or weekends?
    A minute at the till, a lifetime on the bill.

    Nothing tastes as good as being slim feels.

    one life, live it!
  • lika_86
    lika_86 Posts: 1,786 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Do you love your job? Are similar jobs as poorly paid? Could you look at alternatives?

    Definitely get over to the DFW board and post a SOA.
  • nickj_2
    nickj_2 Posts: 7,052 Forumite
    rent the house out , and then rent somewhere smaller and cheaper
  • GwylimT
    GwylimT Posts: 6,530 Forumite
    1,000 Posts Combo Breaker
    nickj wrote: »
    rent the house out , and then rent somewhere smaller and cheaper

    Landlords insurance is not free, you also need permission from the lender which often means changing the mortgage to BTL, again not free. She will also have to pay income tax on her rental earnings. Renting is a business, not everyone has the time to do it, not everyone can afford it as most find the rent barely covers their mortgage and they come out with -£ each month.

    As renting is generally more expensive she will likely be out of pocket, as she lives in a two up two down with a child downsizing does seem quite difficult.
  • justme111
    justme111 Posts: 3,531 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    nickj wrote: »
    rent the house out , and then rent somewhere smaller and cheaper

    Doubt will work , with all outlays for renting and letting
    The word "dilemma" comes from Greek where "di" means two and "lemma" means premise. Refers usually to difficult choice between two undesirable options.
    Often people seem to use this word mistakenly where "quandary" would fit better.
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